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Please provide us with the
information requested below. After you fill out and submit
this form, it will be emailed to the appropriate bank
representative via SECURE email. We will call you to
confirm your request for an on-line account during normal
business hours, usually by the end of the second business
INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT.|
To help the government fight the funding of terrorism and money
laundering activities, Federal law requires all financial
institutions to obtain, verify, and record information that
identifies each person who opens an account.
What this means for you: When you open an account, we will ask
for your name, address, date of birth, and other information
that will allow us to identify you. We may also ask to see your
driver's license or other identifying documents.
INTERNET BANKING AGREEMENT
ELECTRONIC FUND TRANSFERS
access your accounts by computer using your password and your social
security number to: transfer funds from checking to
checking � transfer funds from checking to savings, money market �
transfer funds from savings, money market to checking � transfer funds
from savings, money market to savings, money market � make payments form
checking to loan accounts with us � make payments from savings, money
market to loan accounts with us � get information about checking,
savings, money market account balances, deposits and withdrawals in the
last statement cycle, and account balance of certificates of deposit and
Limitations on Frequency of Transfers
from a savings or money market account to another account or to third
parties by preauthorized, automatic, telephone, or computer transfers
are limited to six per month with no more than three by check draft,
debit card or similar order to third parties.
For security reasons there are other limits on the number of transfers
you can make by computer.
You will get a monthly account statement from us for your
You will get a monthly account statement from us for your savings
accounts, unless there are no transfers in a particular month, in any
case, you will get a statement at least semi annually.
Rights and Liabilities
Security of your transactions is important to us. Use of the Internet
Banking services will therefore require a password. If you lose or
forget your password, please call 580-596-3337 during normal business
hours. We will accept as authentic any instructions given to us through
the use of your password. You agree to keep your password secret and to
notify us immediately if your Password is lost or stolen or if you
believe someone else has discovered your password. You agree that if you
give your password to someone else, you are authorizing them to act on
your behalf, and we may accept any instructions they give us to make
transfers or otherwise use the Internet Banking services. You may change
your password at any time by using TeleBank. We may be liable for
certain security breaches to the extent required by applicable law and
regulation. We do not assume any other liability or otherwise guarantee
the security of information in transit to or from our facilities. Please
note that we reserve the right to (1) monitor and/or record all
communications and activity related to the Internet Banking services;
and (2) require verification of all requested transfers in the manner we
deem appropriate before making the transfer (which may include written
verification by you).
You agree that our records will be final and conclusive as to all
questions concerning whether or not your password was used in connection
with a particular transaction.
If any unauthorized use of your password occurs you agree to (1)
cooperate with us and appropriate law enforcement authorities in
identifying and prosecuting the perpetrator; and (2) provide reasonable
assistance requested by us in recovering any unauthorized transfer of
Notify us immediately if you believe your password has been lost or
stolen. Telephoning is the best way to keep your possible losses down.
You could lose all of the money in your account. If you tell us within
two (2) business days you can lose no more than $50.00. If you do NOT
tell us within two (2) business days after you learn of the loss or
theft of your password, and we can prove we could have stopped someone
from using your password without your permission if you had told us, you
could lose as much as $500.00. Also, if your statement shows transfers
that you did not make, tell us at once. If you do not tell us within
sixty (60) days after the statement was mailed to you, you may not get
back any funds you lost after the 60 days if we can prove that we could
have prevented someone from taking the funds if you had told us in time.
If you believe your password has been lost or stolen or that someone has
transferred or may transfer money from your account without your
permission, call 580-596-3337 during normal business hours.
WE CANNOT ACCEPT NOTIFICATION OF LOST OR STOLEN PASSWORDS OR
UNAUTHORIZED TRANSFERS VIA E-MAIL
Error Resolution Notice
In case of errors or questions about your electronic transfers call us
at 580-596-3337 or write us at: ACB Bank, P.O. Box 227, Cherokee, OK
immediately if you think your statement or receipt is wrong or if you
need more information about a transaction listed on the statement or
receipt. We must hear from you no later than 60 days after we sent the
FIRST statement on which the problem or error first appeared.
(1) Tell us your name and account number.
(2) Describe the error or the transfer you are unsure about, and explain
as clearly as you can why you believe it is an error or why you need
(3) Tell us the dollar amount of the suspected error.
If you tell us orally, we may require that you send us your complaint or
question in writing within 10 business days.
We will determine whether an error occurred within 10 business days (20
business days for new accounts) after we hear from you and will correct
any error promptly. If we need more time, however, we may take up to 45
days (90 days for new accounts or point-of-sale or foreign-initiated
transfers) to investigate your complaint or question. If we decide to do
this, we will credit your account within 10 business days (20 business
days for new accounts) for the amount you think is in error, so that you
will have use of the money during the time it takes us to complete our
investigation. If we ask you to put your complaint or question in
writing and we do not receive it within 10 business days, we may not
credit your account for 30 days after the first deposit is made.
We will tell you the results within three business days after completing
our investigation. If we decide that there was no error, we will send
you a written explanation.
You may ask for copies of the documents that we used in our
We may disclose information to third parties about your account or the
transactions you make:
a) where it is necessary for completing transactions or resolving errors
involving the Services; or
b) in order to verify the existence and condition of your account for a
third party, such as a credit bureau or a merchant; or c) in order to
comply with government agency rules, court orders, or other applicable
law; or d) to our employees, service providers, auditors, collection
agents, affiliated companies, or attorneys in the course of their duties
and to the extent allowed by law; or e) if you give us permission.
Limitation of Liability
Except as otherwise provided in this Agreement or by law, we are not
responsible for any loss, injury, or damage, whether direct, indirect,
special, or consequential, caused by the Internet Banking service or the
use thereof or arising in any way out of the installation, operation, or
maintenance of your PC equipment.
No waiver of the terms of this Agreement will be effective, unless in
writing and signed by an officer of this bank.
You may not transfer or assign your rights or duties under this
The laws of the State of Oklahoma shall govern this Agreement and all
transactions hereunder. Customer acknowledges that he/she has reviewed
this Customer Agreement, understands the terms and conditions set forth
herein, and agrees to be bound hereby.
Customer, in consideration of being allowed access to the Internet
Banking services, agrees to indemnify and hold the Bank harmless for any
losses or damages to the Bank resulting from the use of the Internet
Banking services, to the extent allowed by applicable law.
323 S. Grand
Cherokee, OK 73728